Underwriting Senior Specialist is assigned to handle credit underwriting s following works / functions and demonstrates acceptable credit knowledge, skills, experience with balanced credit judgment to maintain acceptable standard of performance and to accommodate and support corporate businesses to achieve its designed business targets with acceptable credit quality for both existing customers and newly procured customers:
To make balanced credit decision (i.e. approve or reject ) as per the delegated approval authorities (DOA) or to underwrite credit proposals for higher approval authorities
To manage responsible credit works for corporate clients with acceptable underwriting work quality & efficiency including individual turnaround time, cost effectiveness;
To balance risk, return, credit quality and productivity to achieve the department's designated targets for good quality loan portfolio, credit & cost control, turnaround times & customer service;
To help the team to maintain the quality of existing and new customer credit bookings through regular early warnings monitoring & NPL prevention exercise;
To understand laws, regulations, credit governance, policies , group business strategies, management initiatives and credit approval process to ensure compliance with internal / external policies and regulations in order to provide timely & good decision making;
To review his or her own performance comparing with agreed KPI and discuss such results with Team Head for revision and / or improvement from time to time and;
To support senior team members to develop, maintain assigned credit underwriting guidelines/supplementary credit policies or other credit related works such as product development, credit approval process, standard covenants etc. to be in line with the bank's business & credit strategies and underwriting standard & practice.
Qualifications;
Bachelor's degree in Finance, Accounting, Economics , Business Administration or other related fields.
Minimum 5 years experience in Underwriting, Debt Restructuring and / or Front office experience in banking or finance institutions.
Independent & sound decision maker, energetic and self driven, being able to work to a high standard under pressure and willing to learn attitude.
Strong credit and analytical skills with established experience in various industries, banking products.
Good Communication, Negotiation, and Presentation skills
